WO2003060633A3 - Method for receiving electronically transferred funds using an automated teller machine - Google Patents

Method for receiving electronically transferred funds using an automated teller machine Download PDF

Info

Publication number
WO2003060633A3
WO2003060633A3 PCT/US2002/039933 US0239933W WO03060633A3 WO 2003060633 A3 WO2003060633 A3 WO 2003060633A3 US 0239933 W US0239933 W US 0239933W WO 03060633 A3 WO03060633 A3 WO 03060633A3
Authority
WO
WIPO (PCT)
Prior art keywords
host computer
computer system
confirmation code
transaction
identifying information
Prior art date
Application number
PCT/US2002/039933
Other languages
French (fr)
Other versions
WO2003060633A2 (en
Inventor
Dean A Seifert
Earney E Stoutenburg
Original Assignee
First Data Corp
Dean A Seifert
Earney E Stoutenburg
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by First Data Corp, Dean A Seifert, Earney E Stoutenburg filed Critical First Data Corp
Priority to MXPA04006439A priority Critical patent/MXPA04006439A/en
Priority to AU2002357839A priority patent/AU2002357839B2/en
Priority to EP02792380A priority patent/EP1504384A4/en
Priority to CA002471773A priority patent/CA2471773A1/en
Publication of WO2003060633A2 publication Critical patent/WO2003060633A2/en
Publication of WO2003060633A3 publication Critical patent/WO2003060633A3/en

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/381—Currency conversion
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q99/00—Subject matter not provided for in other groups of this subclass
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/203—Dispensing operations within ATMs

Abstract

A method for performing a money transfer receive transaction involving a desired amount of money to be transferred from a sender to a recipient includes receiving transaction identifying information provided by the recipient; comparing the transaction identifying information with transaction data stored on a host computer system; providing a confirmation code, to be issued to the recipient, if the transaction identifying information matches the transaction data stored on the host computer system; storing the confirmation code on the host computer system; receiving at the host computer system input corresponding to the confirmation code from a dispensing terminal in communication with the host computer system; comparing the input to the stored confirmation code; and allowing funds, corresponding to at least a portion of the desired amount of money, to be dispensed by the dispensing terminal if the input matches the stored confirmation code. Figure 1 is a schematic diagram of a system according to the invention for performing money transfer transactions.
PCT/US2002/039933 2002-01-03 2002-12-12 Method for receiving electronically transferred funds using an automated teller machine WO2003060633A2 (en)

Priority Applications (4)

Application Number Priority Date Filing Date Title
MXPA04006439A MXPA04006439A (en) 2002-01-03 2002-12-12 Method for receiving electronically transferred funds using an automated teller machine.
AU2002357839A AU2002357839B2 (en) 2002-01-03 2002-12-12 Method for receiving electronically transferred funds using an automated teller machine
EP02792380A EP1504384A4 (en) 2002-01-03 2002-12-12 Method for receiving electronically transferred funds using an automated teller machine
CA002471773A CA2471773A1 (en) 2002-01-03 2002-12-12 Method for receiving electronically transferred funds using an automated teller machine

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US10/037,827 US7617157B2 (en) 2002-01-03 2002-01-03 Method for receiving electronically transferred funds using an automated teller machine
US10/037,827 2002-01-03

Publications (2)

Publication Number Publication Date
WO2003060633A2 WO2003060633A2 (en) 2003-07-24
WO2003060633A3 true WO2003060633A3 (en) 2004-12-16

Family

ID=21896573

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2002/039933 WO2003060633A2 (en) 2002-01-03 2002-12-12 Method for receiving electronically transferred funds using an automated teller machine

Country Status (7)

Country Link
US (2) US7617157B2 (en)
EP (1) EP1504384A4 (en)
CN (2) CN1781120A (en)
AU (2) AU2002357839B2 (en)
CA (1) CA2471773A1 (en)
MX (1) MXPA04006439A (en)
WO (1) WO2003060633A2 (en)

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WO2003060633A2 (en) 2003-07-24
AU2002357839B2 (en) 2009-08-13
MXPA04006439A (en) 2004-10-04
AU2009201691A1 (en) 2009-05-21
AU2002357839A1 (en) 2003-07-30
US8131640B2 (en) 2012-03-06
EP1504384A2 (en) 2005-02-09
CA2471773A1 (en) 2003-07-24
EP1504384A4 (en) 2009-06-17
US7617157B2 (en) 2009-11-10
US20100070418A1 (en) 2010-03-18
CN1698054A (en) 2005-11-16
CN1781120A (en) 2006-05-31
US20030126083A1 (en) 2003-07-03

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